Pet Insurance Claim Fax Service — File Claims from Any Device
Fax your pet insurance claim forms, itemized vet invoices, and medical records to any carrier in minutes. No fax machine, no account, no subscription. Upload, enter the carrier's fax number, and pay only if delivery succeeds.
When You Need to Fax a Pet Insurance Claim
Most pet insurers operate on a reimbursement model: you pay the vet, then submit a claim to get paid back. While many carriers now accept online submissions, faxing remains a reliable option when:
- Your carrier's online portal is down or you're having technical issues uploading files
- You need to submit a pre-authorization request before a scheduled surgery
- Email attachment limits are too small for your documents (some carriers cap at 5 MB)
- You're filing an appeal with additional medical records and documentation
- Your vet provided paper records that you've scanned to PDF
- You want a transmission confirmation record for your files
No HIPAA surcharge: Pet medical records are NOT covered by HIPAA (which applies only to human health information). Standard Pay-Per-Fax pricing applies for all pet insurance claim faxes.
Documents You Can Fax to Your Pet Insurer
Every carrier has slightly different requirements, but most pet insurance claims need these core documents:
Claim Forms & Invoices
- Carrier-specific claim form (PDF)
- Itemized veterinary invoice
- Proof of payment (credit card receipt)
- Policy number and pet identification
Medical Records
- Veterinary SOAP notes
- Lab results and bloodwork
- Diagnostic imaging reports (X-ray, MRI, ultrasound)
- Surgery and post-operative notes
Pre-Auth & Appeals
- Pre-authorization/pre-certification estimates
- Specialist referral letters
- Letter of medical necessity
- Appeal letters with supporting evidence
Pet Insurance Carrier Fax Numbers
Use the table below to find your carrier's claims fax number. Always verify with your carrier before sending, as numbers may change.
| Carrier | Claims Fax | Notes |
|---|---|---|
| ASPCA Pet Insurance | (866) 888-2495 | Service fax: (866) 888-2497. Pre-auth estimates: (855) 324-9881 |
| Embrace Pet Insurance | (800) 238-1042 | Also accepts pre-certification. Email attachments capped at 5 MB |
| Nationwide Pet Insurance | (714) 989-5600 | No cover sheet necessary. Status available 72 hours after receipt |
| Trupanion | (866) 405-4536 | Also offers direct vet payment (Trupanion Express) at participating vets |
| MetLife Pet Insurance | (877) 281-3348 | Include pet name and policy number on all faxed pages |
| Pets Best | (866) 777-1434 | Mail alt: 965 Keller Rd, Altamonte Springs, FL 32714 |
Fax numbers sourced from carrier websites as of March 2026. OneFaxNow is not affiliated with any pet insurance carrier listed above. Always verify with your carrier.
How to Fax Your Pet Insurance Claim with OneFaxNow
Gather your claim documents
- Download your carrier's claim form from their website and fill it out
- Get an itemized invoice from your vet (not just a payment receipt)
- Scan or export everything to PDF, DOCX, JPG, PNG, or TIFF
Upload your documents
- Go to Pay-Per-Fax and upload your claim form, invoice, and medical records
- Multiple files merge into a single fax in the order you arrange them
- Limits: up to 20 MB per file and 50 pages total
Add a cover page (recommended)
Include your name, policy number, and pet's name in the subject line. Note the carrier's claims department and any reference numbers. OneFaxNow can generate one for you, or upload your own.
Enter your carrier's claims fax number
Use the carrier fax numbers listed above, or check your policy documents. We support all U.S. and Canada fax numbers.
Pay only if delivery succeeds
Pricing starts at $3.50 for 1-10 pages and $5.00 for 11-50 pages.
We authorize at checkout and capture only if delivery succeeds. If all retries fail, you pay $0.
Track delivery and save your confirmation
Watch real-time progress on your Fax Status page. If the carrier's line is busy, we retry up to 3 times. Save your delivery confirmation as proof of claim submission.
Common Pet Insurance Claim Scenarios
Here are the situations where pet owners most frequently need to fax insurance claims:
Accident & Emergency
Broken bones, lacerations, foreign object ingestion, or hit-by-car emergencies. Fax the ER invoice, treatment records, and discharge summary to your carrier.
Surgery Pre-Authorization
TPLO knee repair, tumor removal, or dental extraction. Fax the vet's cost estimate and medical justification before the procedure for pre-approval.
Chronic Illness Treatment
Ongoing diabetes management, allergy immunotherapy, or cancer treatment. Fax periodic invoices and updated treatment plans to keep reimbursements flowing.
Claim Appeal
Denied claim? Fax your appeal letter along with additional medical records, a vet's letter of medical necessity, and any supporting documentation.
Why Fax Pet Insurance Claims with OneFaxNow?
No account or subscription
File a one-time claim fax without signing up for anything. No monthly plans, no recurring charges, no contracts.
Pay only on successful delivery
Your card is authorized at checkout and captured only if the fax is delivered. If all retries fail, you pay $0.
Real-time tracking & confirmation
Watch each step of the transmission live. Get email confirmation when your claim reaches the carrier — useful proof for your records.
Automatic retries for busy lines
Insurance companies receive high fax volume. If the line is busy, we retry up to 3 times automatically. No extra charge.
Multiple file formats accepted
Upload claim forms, invoices, and records as PDF, DOCX, JPG, PNG, TIF, or TIFF. We handle the conversion for fax transmission.
Tips for a Successful Pet Insurance Claim Fax
Need to transfer vet records between clinics instead? See our Veterinary Records Fax guide. For human health insurance claims, see Insurance Claims Fax.
Simple, Pay-Per-Fax Pricing for Pet Insurance Claims
Most pet insurance claims fit within our standard pricing tiers.
Lite Claim Fax
1-10 pages
Ideal for a simple claim form with one invoice
Standard Claim Fax
11-50 pages
For claims with multiple invoices, medical records, and appeal documentation
- U.S. & Canada fax numbers only
- Cover page counts toward total page count
- Pay only on successful delivery
Pet Insurance Claim Fax Questions
Which pet insurance companies accept faxed claims?
Most major pet insurers accept faxed claims, including ASPCA Pet Insurance (fax: 866-888-2495), Embrace (fax: 800-238-1042), Nationwide (fax: 714-989-5600), Trupanion (fax: 866-405-4536), MetLife (fax: 877-281-3348), and Pets Best (fax: 866-777-1434). Check our carrier fax number table above for the full list.
What documents do I need to fax for a pet insurance claim?
You typically need a completed claim form (available from your carrier's website), an itemized veterinary invoice showing line-by-line charges, and relevant medical records such as SOAP notes. Some claims also require lab results, diagnostic imaging reports, or proof of payment.
How long does it take to process a faxed pet insurance claim?
Most carriers process claims within 30 days of receiving all required documentation. Faxed claim status typically appears in your online account within 72 hours of receipt. Pre-authorization requests usually take 7-10 business days.
Do I need HIPAA mode to fax pet insurance claims?
No. HIPAA applies only to human health information, not pet medical records. Standard Pay-Per-Fax ($3.50 for 1-10 pages) is the right choice for all pet insurance claim faxes. You would only need HIPAA mode if your submission includes human medical records, which is rare for pet claims.
Can I fax a pre-authorization request to my pet insurance company?
Yes. Carriers like Embrace and ASPCA Pet Insurance accept pre-certification and pre-authorization requests by fax. Include the veterinary estimate, relevant medical records, and any forms your carrier requires. ASPCA has a dedicated pre-auth fax at (855) 324-9881.
What if my pet insurance claim is denied?
You can appeal by faxing additional documentation to your carrier, including a formal appeal letter, detailed medical records from your vet, a letter of medical necessity, and any evidence supporting your claim. Most carriers have a formal appeal process — check your denial letter for specific instructions.
Is faxing faster than mailing my pet insurance claim?
Yes, significantly. Faxed claims arrive instantly and typically appear in the carrier's system within 72 hours. Mailed claims can take 7-14 days in transit before processing even begins, which means you could wait weeks longer for reimbursement.
Ready to Fax Your Pet Insurance Claim?
Upload your claim form, vet invoice, and medical records, enter your carrier's fax number, and send — no fax machine, no subscription, no account required.